This law became effective July 1, 2007 and it requires insured plans to provide coverage for dependents until they turn 24. We want to make sure that all of our members to whom the law applies (as well of their employers) are aware that this law has changed. 

COVERAGE OF DEPENDENTS TO AGE 24

·              House Enrolled Act 1678 (Public Law 218-2007) amended Indiana's insurance laws to require, effective July 1, 2007, that all FULLY-INSURED plans cover dependents until age 24, whether or not they are full-time students.  (See cites below.)

·              If this requirement applies to you, be sure that your group plan or individual insurer extends this opportunity at your next open enrollment or policy renewal.  If your employer does not know about the law you should give him a copy of this information sheet. 

·              If you are in a fully insured plan and have not been informed of this benefit at open enrollment or have been told there is no such benefit, you should contact Hemophilia of Indiana at 317-570-0057, toll-free at 800-241-2873. 

All Policies:

IC 27-8-5-28 Coverage of child to 24 years of age   Sec. 28. A policy of accident and sickness insurance may not be issued, delivered, amended, or renewed unless it provides for coverage of a child of the policyholder or certificate holder, upon request of the policyholder or certificate holder, until the date that the child becomes twenty-four (24) years of age.

Individual Policies: 

IC 27-8-5-2 Requirements for issuance and delivery of policy   Sec. 2. (a) No individual policy of accident and sickness insurance shall be delivered or issued for delivery to any person in this state unless it complies with each of the following:
        (1) The entire money and other considerations for the policy are expressed in the policy.
        (2) The time at which the insurance takes effect and terminates is expressed in the policy.
        (3) The policy purports to insure only one (1) person, except that a policy must insure, originally or by subsequent amendment, upon the application of any member of a family who shall be deemed the policyholder and who is at least eighteen (18) years of age, any two (2) or more eligible members of that family, including husband, wife, dependent children, or any children who are less than twenty-four (24) years of age, and any other person dependent upon the policyholder.

HMO Contracts:  

IC 27-13-7-3 Contract provisions  Sec. 3. (a) A contract referred to in section 1 of this chapter must clearly state the following:
        ... (26) That the contract provides, upon request of the subscriber, coverage for a child of the subscriber until the date the child becomes twenty-four (24) years of age.